i was talking to someone at johns hop kins they look at past storms and basically estimating. that's all they can do until they have a better sense of what's happening. >> dennis gartman we talked to him earlier and said the estimates come in low are than expected. seems like the storm surge was so much worse than people anticipated. >> that's a good point, looking at past storms as well katrina is obviously one that's on the radar. they are able to pinpoint a little bit better than they have in the past and get a better sense of what's going on. we have to look at the specific states, what people are dealing with, what the flood also damage is going to be because that's going to change the number materially as well. >> we spoke with one analyst, an insurance analyst who suggested in this situation maybe half of the losses are uninsured losses because flood damage would be so much of the losses that come in, and flood damage isn't covered by regular homeowners' insurance. >> exactly right. i was talking to business owners in the local community here saying the same thing. at t